Health Insurance Essay

616 WordsOct 24, 20123 Pages
Having employer-based health insurance coverage for the majority of people in the United States has several benefits and pitfalls. A huge benefit for having employer-based health insurance is the diversified risk pool created, risk is more spread out. Another benefit is the fact that employer based health insurance is lower premiums due to lower fixed cost per policy, as well as due to employer contributions to premiums. One shortcoming of employer-based health insurance is that is presents major hardships for people, because policies are tied to the employer (Reinhardt, 2009). This means that if someone were to lose his or her job, an entire family could lose its income and health benefits all at once. A second problem with employer-based health insurance is that the group policies are rated based on previous claims of its members, meaning one employee can affect the entire group premium. The underlying issue is that, without health benefits, most families would not be able to afford a health insurance plan (Reinhardt, 2009). The Patient Protection and Affordable Care Act aims to make health insurance affordable to everyone in the United States. One hope is to expand risk pools enough to make premiums lower. The Act also proposes tax credits to small business owners to help lower the cost of providing health insurance to employees. The Act also, controversially, would require large employers to provide coverage to all full time employees (U.S. Department of Health & Human Services). There are several major events since the turn of the century that have lead to the development of public health disaster preparedness. The terrorist attacks of 9/11, anthrax mailings, Hurricane Katrina all called attention to the need for further planning with regard to disaster preparedness (Schneider, 2011). A lack of communication and coordination proved to be

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